Health Insurance Rate Comparisons – Shopping for Your Health Plan the Right Way

Health insurance rates and plans depend upon many factors, including your own health history, where you live, state insurance laws, your gender, your age, and even your credit report! Various health insurance companies may add to your premium if you have a history of health claims. Habits that can hurt your health like smoking or extra weight may increase your premium even if you have not made a related claim yet. If you have made a lot of insurance claims or have a more serious health condition that can raise your health insurance price, or even get you declined for health insurance with some companies.

On the other hand, good health habits like abstaining from smoking or drinking, and maintaining a normal weight may qualify your for health insurance discounts. These discounts can shave more than 20% from a standard price. Some insurance companies may allow these discounts for applicants of any age, but some may cut them off at a certain age band like 39 or 49.

Insurance companies do not all give the same weight to various factors. A high blood pressure history may get a substantial rate up by one company, but be considered standard by another company. Even within the same health insurance company, different health plans may have different guidelines. Higher deductible health plans tend to have easier underwriting and less rate increases than health plans that are designed every single trip to a medical provider.

Compare Health Plans the Easy Way

Of course, you need to compare health insurance plans before you commit to such an important, and expensive, decision. As you know, this can be a very daunting task. Since your rates depend upon many factors, you will find yourself giving the same detailed information out many times! It would take forever to visit with several health insurance agents to compare multiple plans, and without a clear understanding of health insurance, all that time might still not help you make a good decision.

However, many internet quoting forms exist, that can help you fill out your information one time, and then receive information from experienced local agents that will know your market! If you give them your information, and an estimate of what you expect to pay, you can receive health insurance rate and plan comparisons. We believe that online quote forms are the way to go to save time and money, and to get quality health plans delivered to you in a convenient, low pressure way!

Compare Health Insurance Rates Online with one fast, safe, and free internet quote form! Make sure you get top insurance plans and low insurance rates with all insurance at